Home + Mortgage Intelligence — Not a ListingFor Sale

104 jaripol cir

rancho mission viejo, ca 92694

HomeRates.ai is not a listing service and has no listing relationship to this property. This page is the financial and decision-intelligence layer HomeRates.ai builds around a real address, organized into five public intelligence categories — each figure labeled by the kind of claim it is.

1Property & Value Intelligence

Property typeNot resolvedPROPERTY FACT
Beds / Baths2 bd / 2.5 baPROPERTY FACT
Square footage1,272 sqftPROPERTY FACT
List price$799,000PROPERTY FACT
Automated valuation (AVM)$789,200ESTIMATE
Averaged from: Zillow estimate
Comparable sales MARKET FACT
8 Jaripol Circle, Rancho Mission Viejo, CA 92694$807,000 · Aug 2026
10 Jaripol Circle, Rancho Mission Viejo, CA 92694$1,108,000 · Jul 2026
422 Sunrise Road, Rancho Mission Viejo, CA 92694$1,125,000 · Aug 2026

2Financing Intelligence

Illustrative scenario only — 20% down, 740 credit score, conventional, 30yr fixed, primary residence. Not a personalized quote or a commitment to lend. ILLUSTRATIVE ASSUMPTION

Illustrative loan amount$639,200DERIVED CALCULATION
Loan-limit zoneConformingMARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor7.206%MARKET FACT
OBMMI Conventional 30yr Fixed — FICO 740, LTV ≤80 — observed 2026-10-15
Illustrative rate (after LLPA)7.206%DERIVED CALCULATION
0.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$4,341/moDERIVED CALCULATION

Fannie Mae Loan-Level Price Adjustment (LLPA) Matrix, effective 01/28/2026 — singlefamily.fanniemae.com/media/9391/display (publicly available). This Matrix supersedes any earlier dated version; re-verify before relying on it for a lending decision.

LLPA estimates are a pricing calculation only — they do not represent or imply loan eligibility, underwriting approval, or a commitment to lend. Based on the publicly posted Fannie Mae matrix. Actual lender pricing varies by loan program, lender margin, and market conditions. Consult a licensed mortgage professional to determine eligibility.

3Ownership Cost Intelligence

Property tax (est.)$506/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$200/moESTIMATE
HomeRates.ai default: 0.3% of price annually
HOA$326/moPROPERTY FACT
Estimated monthly PITI$5,047/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market61dMARKET FACT
Area sale-to-list ratio1.0%MARKET FACT
Quiet, amenity-rich Esencia neighborhood in Rancho Mission Viejo offers a modern suburban lifestyle with excellent schools and community facilities. Strong location for families or professionals seeking planned-community living, though car-dependent. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Bike Score
Somewhat Bikeable
Schools
Excellent
Safety
Low Crime
Amenities & Commute
Good
Wildfire Risk
Moderate

5Decision Intelligence

Property-centered only — price-vs-value fit, market fit, and location fit. This is not a buyer-specific affordability score and HomeRates.ai never publishes Personal Fit or any real buyer's Decision Score.

Value fit76/100DERIVED CALCULATION
Listed +1.2% vs AVM $789K
Market fit85/100DERIVED CALCULATION
Median DOM 61d, sale-to-list 1.0%
Location fit72/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Minimal Transit, Bike Score: Somewhat Bikeable.
Key strengths
  • Master-planned amenities and parks
  • Top-rated schools
  • Newer construction (2017)
Key concerns
  • Car-dependent location
  • Moderate wildfire risk
  • HOA fees apply

Decision Score L1-L4 (locked 2026-08-19), L2-L4 property-centered subset — computed from cached property intelligence, 8/27/2026

0Sources & Freshness

Property record enriched: 8/27/2026 (source: web_search)
Listing snapshot fetched: 8/27/2026
Valuation, comps, and location intelligence captured: 10/19/2026
Fannie Mae Loan-Level Price Adjustment (LLPA) Matrix, effective 01/28/2026 — singlefamily.fanniemae.com/media/9391/display (publicly available). This Matrix supersedes any earlier dated version; re-verify before relying on it for a lending decision.
Market rate observed: 2026-10-15 (FRED / OBMMI)
Page generated at request time from stored HomeRates.ai intelligence — no figure on this page is generated by an AI model without being labeled as such.